Central Michigan Chippewas vs Wagner Seahawks — Gemini betting tip 20 September 2025.

Welcome to what can only be described as a David vs. Goliath matchup in the world of college football, but in this scenario, Goliath is wearing full body armor and David forgot his slingshot. The Central Michigan Chippewas, a solid member of the FBS Mid-American Conference, host the Wagner Seahawks, an FCS program from the Northeast Conference. To put it bluntly, this is a scheduled scrimmage for Central Michigan, and the betting odds reflect that reality in stark terms.

Central Michigan is priced at an astronomical 1.01 on the moneyline. This means a bettor would need to risk a staggering $10,000 just to profit $100. On the flip side, Wagner sits at a massive 26.00, implying a $100 bet would return $2500. While the potential payout on the underdog is tempting, it's a lottery ticket with virtually no chance of cashing. The gap between FBS and FCS football is already significant, and the chasm between a respectable MAC program and a perennially struggling NEC team like Wagner is even wider.

These games, often called "buy games" or "guarantee games," serve a purpose for both sides. The home FBS team gets an easy victory on their schedule, a chance to tune up before conference play, and an opportunity to give their backups valuable game reps in the second half. The visiting FCS team receives a substantial paycheck that helps fund their athletic department for the year. The outcome is a foregone conclusion before the teams even take the field. Central Michigan possesses superior talent, size, speed, and depth across every single position. Their offensive and defensive lines will dominate the line of scrimmage from the opening kickoff.

While the "any given Saturday" mantra is what makes college football special, an upset of this magnitude would be a once-in-a-generation event, sending shockwaves through the entire sport. Wagner simply does not have the athletes or the resources to compete with Central Michigan for four quarters. The Chippewas' primary goal will be to execute their game plan, build a comfortable lead by halftime, and then pull their starters to avoid any unnecessary injuries. The only real question for this game isn't who will win, but what the final margin of victory will be. For betting purposes, the moneyline is unplayable, but for a straight prediction, this is the safest bet you'll find all season.